A little point should be very clear: investing for 1 year in stocks returns more than keeping the money for 19 years in a saving account ! The S&P 500, which is the major US index has returned roughly 18% YTD, as shown in the data taken from Google finance:

As a comparison, check below the list of the best US saving accounts:

The conclusion is simple: if you invest in the most simple vehicle of all, which is an ETF that tracks the S&P500, you get 18% for 9 months, which is equivalent to roughly 19years of returns with the best saving accounts that are available in the US right now to retail investors...